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314 W Birch Ave, Fergus Falls, MN, 56537

2beds
2baths
950sqft
$159,900
$168price/sqft
$1,181/moest. monthly cost
$47,240/yrincome needed

About This Home

This comfortable, cute and cozy 2-bedroom home features a brand-new kitchen with premium cabinetry, tiled back splash and new stainless steel appliances., new vinyl flooring and freshly painted. New vanity and vinyl plank flooring in the full bath, New pine wood ceilings in the lower-level family room with built in bar for entertaining family and friends. Vinyl windows, hardwood floors and coved ceilings complete this adorable one level home!

Getting Around

50
WalkingCar-Dependent
0
TransitVery Limited Transit
40
BikeSomewhat Bikeable

Schools

8/10
4/10
iQ Academy 6-8Grades 6-80.6 mi
4/10
IQ Academy 9-12Grades 9-120.6 mi

Construction

Condition

  • Year built: 1941

Materials

  • Roof: Asphalt
  • Construction materials: Concrete,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Microwave,Range,Refrigerator,Washer
  • Laundry features: Electric Dryer Hookup,Lower Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Partially Finished,Storage Space

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/4 bathrooms: 1

Den

  • Level: Lower

Features

  • Finished area below ground: 250
  • Finished area above ground: 700

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,376
  • Total interior livable area: 950 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Lower

Living Room

  • Level: Main

Recreation Room

  • Level: Lower

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 71003990546000
  • Zoning description: Residential-Single Family
  • Foundation area: 676

Features

  • Levels: One
  • Stories: 1
  • Fencing: None

Lot

  • Lot size: 6,490 sqft
  • Features: Tree Coverage - Medium
  • Lot size dimensions: 65 x 100

Parking

  • Total spaces: 1
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Ice Storm
    Ice StormModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Winter Weather
Inland Flooding
Hail
Ice Storm
Lightning

FEMA Declared Disasters in Otter Tail County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $808$9,696
Home Insurance *$95$1,140
Property Taxes $108$1,296
Electricity $170$2,050
Total$1,181$14,172
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$40,491/yr
40% on housing$35,430/yr
45% on housing$31,493/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.3%
12.3%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 3.3%
3.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$168This listing

vs Other Active Listings

Avg $/sqft

ZIP 56537$145
Otter Tail County$191

vs Homes Sold Last Month

Median $/sqft

ZIP 56537$146
Otter Tail County$152

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-31Listed for sale$159,900
2022-10-28Sold$86,900
2022-09-22Pending sale$86,900
2022-09-17Listed for sale$86,900

For Sale by Agent

AgentLinnae Leary
BrokerageTrilogy Real Estate

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